MetroCity Bankshares Inc. Common Stock (MCBS)

FairStock Score: 65/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the close on 2026-10-13, MetroCity Bankshares traded at $34.64, giving a market cap near $997 million. FairStock’s calculations show a P/E of 12.03, P/B of 1.76, ROE of 15.91%, and dividend yield of 3.12%, with beta of 0.71. For a regional bank, that ROE is respectable, and the low beta and dividend suggest a steadier profile. The filed figures show net income of $22.1 million in fiscal Q2 2026, the quarter ended 2026-06-30, versus $16.8 million in fiscal Q2 2025, the quarter ended 2025-06-30. Diluted EPS rose to $0.76 from $0.65 over the same quarters. For FY2025, net income was $68.5 million, or $2.64 per diluted share, versus $64.5 million, or $2.52, in FY2024. That is only about 6% net income growth year over year, though FY2024 was up from FY2023’s $51.6 million and $2.02. The computed Lynch category is STALWART, based on 13.5% annual profit growth over five years. Piotroski is 6/9, and FairStock score is 65/100. I do not see a wide moat—banking is competitive and relies on local relationships and credit discipline. The price is not demanding on earnings, and PEG of 0.33 is attractive if growth persists, but P/B of 1.76 is not a Graham-style bargain. More important, the provided data lacks CET1, net interest margin, nonperforming loans, reserves, and loan concentrations. Those are the real tests for a bank with commercial real estate and construction lending. Without them, I can call this a reasonably profitable, moderately valued bank, but not a no-risk one. The credit cycle, not the multiple, will decide the outcome.

In plain English: MetroCity Bankshares is the holding company for Metro City Bank, a small regional bank that takes deposits and makes consumer and commercial loans. The business looks reasonably strong because profits have grown, the bank earns a solid return on shareholder money, and it pays a decent dividend. At the recent price, it does not look expensive compared with its earnings, but it is not a deep bargain compared with its accounting value either.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer